What to Look for in a Mortgage Broker
When searching for a mortgage broker in Brisbane, it’s essential to find someone with extensive mortgage broking experience and a deep understanding of the finance industry. A good mortgage broker should be well-versed in the Brisbane property market and capable of guiding you through the home buying process with ease. They should have access to a wide range of lenders and loan products, allowing them to tailor their recommendations to your specific financial situation. Additionally, a reputable mortgage broker should be a member of a professional association, such as the Financial Brokers Association of Australia (FBAA) or the Mortgage and Finance Association of Australia (MFAA). These memberships indicate a commitment to industry standards and ongoing professional development, ensuring you receive the best possible advice and service through your home buying journey.
OurTop10
The Brisbane Mortgage Brokers We Recommend
Finding the right mortgage broker in Brisbane isn’t always easy. There are hundreds if not thousands of options to choose from, which makes it difficult to sort the good from the bad. Fortunately, we’ve done the hard work for you to find the best loan options and simplify the home buying journey.
1. Soren Financial
- 5.0
100% loan application pass rate
Soren Financial
5.0 Stars on Rate My Agent
20+ years of lender partnerships
100% loan application pass rate
100% satisfaction guarantee
About
Soren Financial is a finance brokerage that has offices in both Sydney and Melbourne and specialises in home loans and brokerage. In the years Soren Financial has been in operation, they have done a fantastic job to build trusted connections with all major banks and lenders in Australia and have been accredited by over 45 lending institutions.
Mansour Soltani’s team has also been certified by the Mortgage and Finance Association of Australia and the Australian Financial Complaints Authority. As one of the best mortgage brokers in Melbourne, they have been assisting clients by planning appropriate mortgage products / home loans for specific financial needs and connecting clients with experienced advisors in multiple sectors who can ease the purchase process and get first home buyers the right loan and proper finance.
Client experience
Contact information
Phone: 1300 899 819
Address: Level 1, 401 Collins Street, Melbourne Australia
Hours: Monday to Friday, 9 AM to 6 PM
Current OfferFree 48-Hour Home Loan Review
Soren Financial will conduct your full home loan review within 48 hours. Discover the best offers delivered straight to your inbox.
2. Mortgage Choice Brisbane CBD
- 5.0
Mortgage Choice Brisbane CBD
About
Experience award-winning service with Matt Cunliffe and the team at Mortgage Choice Brisbane City. Whether you’re looking for home loans, car or personal loans, business lending, or expert financial advice, our experienced Mortgage Brokers are here to help you achieve your financial goals.
A wide variety of home loan products are available through Mortgage Choice brokers, including mortgages from the Big 4 banks, and boutique offerings tailored to specific needs. Other than personal loans, they also assist with commercial loans, asset finance and general insurance.
Services
- Home Loans
- Home Loan Quick Quote
- Personal Loans
- Asset Finance
- Equipment Finance
- Debt Consolidation
- Upgrades/ Movers
- Refinancing
- Pre-Approval
- First Home Buyers
- Mortgage Broking
Client experience
Contact information
Phone: +61 7 3211 7744
Address: Level 10/40 Creek St, Brisbane City QLD 4000
Hours: Monday – Friday: 8:30am – 5:00pm
After hours by appointment
3. Aussie Home Loans New Farm
- 4.4
Aussie Home Loans New Farm
About
Nestled in the vibrant heart of New Farm and catering to Brisbane’s inner suburbs, the trusted local mortgage brokers at Aussie Home Loans New Farm are your dedicated partners in finding the ideal home loan to meet your needs. Why spend weeks visiting multiple lenders when they can search through over 3,000 home loan products from Aussie’s panel of lenders in just minutes?
Their mortgage broking service is swift and completely free for you. In a matter of minutes, they compare thousands of loans from banks and other lenders to pinpoint the perfect match. As the local home loan specialists at Aussie Home Loans New Farm, they’re committed to helping you achieve your homeownership dreams sooner.
Services
- Bridging Loans
- Car Loan
- Commercial Loans
- Construction Loans
- Debt Consolidation
- Deposit Bonds
- Equity Release
- Family Guarantor Home Loans
- First Home Buyers
- Home and Content Insurance
- Land Purchase
- Loan Cover Insurance
- Personal Loans
- Pre-Approvals
- Property Investment
- Refinancing for a better deal
- Refinancing to move home
- Small Business Loan (Vehicles/Equipment)
CIient Experience
Contact information
Phone: +61 7 3358 3358
Website: aussie.com.au
Address: Shop 1/79A Merthyr Rd, New Farm QLD 4005
Hours: Mon-Fri: 9AM to 5PM/ Sat-Sun: By Appointment
4. Brisbane Home Loan Brokers
- 5.0
98% Loan Approval Rate
Brisbane Home Loan Brokers
About
Brisbane Home Loans offers clients a comprehensive solution for various lending needs, including Home Loans, Investment Loans, Car Loans, Business Loans, Personal Loans, Commercial Loans, and Asset Loans. Clients can benefit from dealing with a single point of contact while Brisbane Home Loans manages interactions with numerous lenders to secure the best deals across all categories.
This approach enables Mortgage Brokers to fully understand clients’ overall financial lending requirements, fostering a relationship that simplifies accessing the right loan at the right price. The vision of Brisbane Home Loans is to eliminate the complexity, stress, and effort associated with financial lending, providing clients with reliable, low-cost loans tailored to their individual needs.
Client experience
Contact information
Phone: 61 7 3889 9250
Website: www.brisbanehomeloan.com.au
Address: Suite 20/357 Gympie Rd, Strathpine QLD 4500
Hours: Mon-Tue/Fri: 9AM to 5PM / Wed/Thurs: 9AM to 6PM
5. Loan Market Brisbane Mortgage Brokers
- 4.6
Expertise in Residential, Personal, & Business Finance
Loan Market
About
Choosing the right home loan is crucial as it can significantly impact your quality of life. Loan Market Brisbane emphasizes the importance of selecting a loan that suits individual needs and future plans. They ask about financial goals and potential life changes to ensure clients are involved in the decision-making process every step of the way. The goal is to make clients feel confident in working with them, whether refinancing, moving, or investing in property. Their greatest satisfaction comes from helping people meet their financial needs and live in their dream homes.
Services
- First Home Loans
- Next Home Loans
- Refinancing
- Investment Loans
- Pre-Approval
- Personal Loans
- Commercial Loans
- Asset Finance
- Car Loans
- Business Loans
- Construction Loans
- SMSF Loans
Client experience
Contact information
Phone: 61 7 3220 2022
Address: 42 Manilla St, East Brisbane QLD 4169, Australia
Hours: Monday to Friday, 9 AM to 9 PM
6. North Brisbane Home Loans
- 5.0
Top Rated Mortgage Brokers In Brisbane
North Brisbane Home Loans
About
Founded in 2002, North Brisbane Home Loans was established to provide a local, trustworthy, and community-oriented brokerage service. Their unwavering focus on the customer ensures that needs and priorities are met from initial onboarding through to post-settlement. Recognizing that securing a home loan is one of the most significant financial decisions most clients will ever make, North Brisbane Home Loans takes this responsibility seriously. Whether it’s a $300,000 loan or a $2 million loan, they are committed to finding the right product to suit each customer’s unique needs.
Services
- Self Employed Home Loans
- First Home Buyer Loans
- Refinancing Home Loans
- Next Home Mortgage Brisbane
- Investment Property Loans Brisbane
- Renovation Loans Brisbane
- Construction Loans Brisbane
Client experience
Contact information
Phone: +61 7 3889 9719
Address: Aspley Hypermarket, 59 Albany Creek Rd, Aspley QLD 4034
Hours: Mon-Fri: 9AM to 5PM/ Weekends: By Appointment
7. Mortgage Choice Fortitude Valley
- 5.0
Holistic Mortgage Solutions
Mortgage Choice Fortitude Valley
About
At Mortgage Choice Fortitude Valley & Ashgrove, a dedicated team of mortgage brokers and client liaisons specializes in helping individuals achieve their lifestyle goals. Through a holistic approach, future wealth is empowered by providing personalized mortgage solutions that align with individual goals, ensuring that the journey to homeownership is uniquely tailored. Expert and tailored advice is always available. Reach out today if you’re considering purchasing a first home, upgrading to the next, renovating, expanding a property portfolio, refinancing, or downsizing. It’s never too early to discuss a path to a financially fantastic future with a mortgage broker.
Services
- Mortgage Broking
- Home Loans
- Refinancing
- Commercial Loans
- Car Loans & Leasing
- Debt Consolidation
- Upgraders / Movers
Client experience
Contact information
Phone: +61 7 3366 8604
Website: mortgagechoice.com.au
Address: Level 1/47 Brookes St, Bowen Hills QLD 4006
Hours: Monday – Friday: 9:00am – 5:00pm
After hours by appointment
8. Key Finance
- 5.0
Personal Finance, Simplified Solutions.
Key Finance
About
Key Finance is a well-established, boutique family business based in Melbourne’s Eastern suburbs. A small team looks after a limited number of clients, each known intimately. Making a difference in people’s lives is a passion, which involves taking the time to engage in life-changing conversations, offering wise counsel, and knowing the appropriate actions to take. With extensive knowledge of the local market and long-standing relationships with residents and investors in the Eastern suburbs, specialisation in helping local home buyers and investors secure their finance effortlessly is provided. Expert advice is also sought by locals for refinancing and loan structuring needs. Simple wisdom for complex lives is offered.
Services
- Refinance
- Home loans
Client experience
Contact information
Phone: +61 404 838 379
Website: www.keyfinance.com.au
Address: PO Box 4560 Ringwood VIC 3134
Hours: Monday to Friday: 9AM to 5PM
9. Yellow Brick Road
- 4.6
Quality Mortgage Advice Nationwide
Yellow Brick Road
About
Yellow Brick Road is dedicated to guiding Australians towards their dreams with competitive rates and a comprehensive portfolio of services. Our network of trusted local mortgage brokers and wealth managers across Australia ensures personalized and expert support at every step of your financial journey.
Services
- Home Loans
- Refinance
- First Home Buyer
- Investment Property
- Construction
- Self Employed
Client experience
Contact information
Phone: +61 1800 927 927
Website: www.ybr.com.au
Address: Brisbane QLD 4000
Hours: Monday – Friday: 9AM to 5PM
10. Blue Wave Property Strategies
- 5.0
Integrity and Expertise for Your Property Journey
Blue Wave Property Strategies
About
Blue Wave Property Strategies, located in Alexandra Headland, Queensland, is founded on the core values of integrity, honesty, freedom, family, and education. Their mission is to provide unparalleled real estate solutions, with integrity as the guiding principle to ensure transparency and trustworthiness in every interaction. Commitment to honesty fosters lasting relationships built on mutual respect and fairness. By empowering individuals to make informed decisions, Blue Wave helps clients achieve the freedom they seek. Through continuous education, coaching, and mentoring, clients are guided on their property journey. These values drive Blue Wave Property Strategies to redefine industry standards, creating opportunities for success and wealth for their clients.
Services
- Cash Flow Positive Properties
- Investment Property
- Wealth Strategist
- Real Estate
Client experience
Contact information
Phone: +61 7 5400 2549
Website: www.bluewaveproperty.com.au
Hours: Unit 5/156-158 Alexandra Parade, Alexandra Headland QLD 4572
Hours: Mon-Fri: 9AM – 5PM
Submit one inquiry to all of OurTop10 brokers
Don’t waste time filling out the same details on multiple sites. With just one enquiry, we’ll connect you with some of the best mortgage brokers in Brisbane.
Need more support on your property journey? We’ve also hand-picked top-rated Brisbane professionals to help you along the way:
What is a Mortgage Broker?
A mortgage broker acts as your go-between with banks and lenders. Their job is to help you find a home loan that fits – not just the first one you qualify for. Instead of being tied to one lender, they compare a wide range of loans to find competitive rates and features that suit your situation.
Mortgage brokers handle more than three-quarters of all home loans in Australia – and it’s easy to see why. They know how to navigate complex lending criteria and the home loan application processes, understand what different banks look for, and can save you a lot of time (and headaches too).
Quick Definition: A mortgage broker is a qualified expert who acts as an intermediary between borrowers and lenders. They compare loan products across different banks, negotiate on your behalf, and manage the entire home loan process from an initial assessment of your borrowing power to your home loan approval.
Key Benefits of Working with a Brisbane Mortgage Broker
Brisbane’s property market has grown rapidly in recent years – with rising prices, strong population growth, and a mix of new developments and established suburbs driving demand across the city. In a market like this, where the right home loan can be the difference between buying now or missing out, having a good mortgage broker in your corner matters.
Here are some of the key benefits of working with a mortgage broker in Brisbane when buying property in this location.
1. You Get Access to a Wider Range of Loan Options
Most Brisbane brokers work with dozens of lenders – including the big banks (Commonwealth, Westpac, ANZ, and NAB), credit unions, and smaller non-bank lenders. That gives you access to far more loan options than walking into your bank. Whether you’re after a competitive fixed rate, an investor-friendly structure, or a loan for a newly built home, a broker can match you with a product that fits your goals.2. You Get Expert Help at Every Step
A good broker doesn’t just find you a low rate – they help you throughout every stage of the process. For example, your broker can:- Help calculate how much you can borrow based on your income and expenses
- Recommend loans that suit your budget and goals
- Handle the paperwork and application process
- Liaise with the lender on your behalf
- Provide local insights on Brisbane suburbs and lender policies that may affect your application
- Break down confusing terms like Lenders Mortgage Insurance (LMI) and loan-to-value ratio (LVR)
- Organise mortgage pre-approval so you can house-hunt with confidence.
3. You Save Time and Avoid Stress
There’s a lot of legwork involved in applying for a mortgage – research, forms, emails, and back-and-forth with banks. Brokers take that off your plate. They do the comparisons, chase up the lender, and keep everything moving – so you can focus on finding the right property. In a market like Brisbane, where well-priced homes in popular suburbs often get snapped up quickly, being organised can give you a real edge.4. You Can Unlock Better Rates and Features
Because brokers work with lenders every day, they have access to deals the public doesn’t see – like lower rates, fee waivers, and exclusive loan features. They also know which lenders are more flexible when it comes to things like smaller deposits or variable income. All this makes it easier to get your application approved the first time. Many brokers also work closely with lenders who understand the nuances of the local market – including postcode-specific lending policies, finance for new developments, and access to first home buyer support schemes available in Queensland.5. Personalised Mortgage Service and Support
The best mortgage brokers in Brisbane won’t just set up your loan and disappear. They stay in touch – reviewing your loan regularly, offering guidance if your situation changes, and helping you refinance down the track if a better deal becomes available. Down the track, you might want to refinance and tap into your equity to buy an investment property. When that happens, it helps to have a broker you trust – someone who already knows your situation and can hit the ground running.How the Mortgage Broker Process Works
Whether you’re buying in Brisbane or anywhere else in Australia, the mortgage broker process generally follows the same steps. But having someone local – who understands Brisbane’s property landscape and lender preferences – can help things move more smoothly. Here’s what to expect:
1. First Chat and Financial Review
This is where your broker gets to know you. They’ll ask about your income, expenses, savings, and what you’re aiming to achieve. At the same time, they’ll explain how the mortgage application process works and outline what kind of documents you’ll need to get started.
2. Loan Research and Recommendations
Once they’ve got the full picture, your broker will walk you through your options. They’ll compare loans from their panel of lenders and filter out the ones that don’t fit. Then they’ll talk you through the most suitable ones, outlining the pros and cons, and why one might work better than another – whether that’s due to interest rates, features, or how certain lenders view your application.
3. Application Prep and Submission
Now it’s time to get the paperwork sorted. Your broker will collect everything required – from ID and payslips to bank statements – and take care of filling in the forms. They’ll make sure it’s accurate and well-organised before lodging it with the lender.
4. Progress Updates and Communication
Your broker will stay on top of things during the assessment phase – dealing with the lender directly, chasing up requests, and keeping you informed. If anything needs clarification or fixing, they’ll step in and help resolve it.
5. Final Approval and Settlement
Once you’ve got formal approval, your broker helps you review the loan documents and make sense of any fine print. They’ll also work with your conveyancer or solicitor to get everything ready for settlement, making sure nothing slips through the cracks. When the big day arrives, they’re right there with you until the funds are released and the property is officially yours.
What Sort of Specialised Brisbane Mortgage Broker Services Exist?
Not all home loans are the same – and neither are borrowers. Many Brisbane mortgage brokers offer specialised services to help you structure your finance properly.
These include helping you meet your financial goals.
First Home and Owner-Occupier Loans
If you’re buying a home to live in – whether it’s your first or your next – a broker can make things easier. They’ll explain how much you can borrow and talk through the loan options that make sense for your situation. Instead of digging through rates and features yourself, you’ll get clear, tailored advice and help choosing the right path forward.
If you’re a first home buyer, they can also guide you through government incentives like the First Home Guarantee or stamp duty concessions – and help with the paperwork so nothing gets missed.
Refinancing and Debt Consolidation
You might want to refinance to save money, unlock equity, or clean up personal loans or similar debt. A broker will look at your current loan and compare it with what’s on the market right now. If there’s a better option available, they’ll guide you through the switch – and help you take advantage of features like offset or redraw accounts if they suit your goals.
Investment Property Loans
Brisbane attracts a lot of investors thanks to strong rental yields and long-term growth. If you’re buying an investment property, a broker can help with:
Interest-only loan options to improve cash flow
Equity release strategies to fund your next purchase
Loans for trust or company structures
Tailored lending solutions for growing property portfolios.
SMSF Property Loans
Buying property through a self-managed super fund (SMSF) can be a minefield. There are different rules, fewer lender options, and strict compliance requirements. A good mortgage broker who specialises in SMSF loans can show you what’s possible and what to avoid. They’ll help you understand how the structure works and set it up properly, so you stay in line with regulations.
Commercial and Business Loans
Some Brisbane mortgage brokers also assist with business lending. This might include:
Loans to purchase commercial premises
Vehicle and equipment finance
Working capital or overdraft facilities
Funding for business expansion.
How to Choose the Right Mortgage Broker in Brisbane
There’s no shortage of mortgage brokers in Brisbane – but not all of them will be the right fit for your financial situation and home loan journey.
Here’s what to look for when searching for a mortgage broker:
1. Make Sure They’re Licensed and Qualified
Only work with a broker who is properly accredited. They should:
Hold an Australian Credit Licence or be an authorised representative under one
Be registered with ASIC – you can check this via the ASIC website
Be a member of an industry association like the Mortgage & Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA)
Have completed at least a Certificate IV in Finance and Mortgage Broking.
These credentials help ensure you’re dealing with someone qualified, reputable, and accountable.
2. Look for Experience That Matches Your Needs
Not every broker is right for every borrower. Some focus on first home buyers, while others might be experts in SMSF or investment lending. Ask any potential broker if they’ve helped people in similar situations to your own. Someone who’s worked with clients like you will be better equipped to find the right lender and navigate any challenges that come up.
3. Ask About Their Lender Panel
A good broker works with a broad panel of lenders – not just a handful of banks. Be sure to ask your broker:
How many lenders do you work with?
Are you tied to a specific aggregator or brand?
How do you choose which loans to recommend?
The more independent and diverse their lender list, the more likely you are to get a truly competitive deal.
4. Understand How They’re Paid
Most Brisbane mortgage brokers are paid by the lender, not you – but it’s still worth understanding how it all works. Your broker should be upfront about:
Their commission structure and how they’re paid
Whether any fees apply to you (most don’t charge borrowers directly)
Any potential conflicts of interest if they favour certain lenders.
It’s your right to ask questions – a trustworthy broker won’t shy away from explaining the details.
5. Read Reviews and Ask Around
A quick internet search can tell you a lot. Look for:
Verified Google or Facebook reviews
Testimonials from Brisbane clients with similar needs
Word-of-mouth recommendations from friends, colleagues or your agent
Any industry awards or professional recognition (this isn’t essential, but it’s nice to have).
The more positive signals you see, the more confidence you can have that they’ll deliver when it counts.
Mortgage Broker vs. Direct Bank: What’s the Better Option?
Still deciding whether to use a mortgage broker or go straight to your bank? Here’s a side-by-side look at how the two options compare – especially when it comes to flexibility, choice, and the support of your financial situation through the loan application process to make it a stress free loan application process.
Aspect | Mortgage Broker | Direct Bank Application |
Loan options | Access to 30+ lenders and 100s of loan products | Limited to one bank’s products |
Interest rates | Can compare to find lowest home loan rates | Only offers the bank’s standard rates |
Application process | Broker manages the paperwork and follow-up | You handle the application yourself |
Negotiation power | Strong due to volume and lender relationships | Little room for negotiation |
Ongoing support | Ongoing reviews and refinancing help when needed | Minimal support after settlement |
Other Helpful Tips for Home Buyers
Working with a mortgage broker is a smart move, but a few extra steps on your end can make the home loan process even smoother:
Get your finances clear upfront – Know how much you’ve saved, what you spend, and what you’re comfortable borrowing before you start house hunting.
Prepare your documents early – Having your ID, payslips, tax returns, and bank statements ready can speed up the process once you find a property.
Think long-term with loan features – Ask your broker about things like offset accounts and redraw facilities – they can save you thousands over the life of your loan.
Secure pre-approval before you shop – It shows sellers you’re serious and gives you a clear budget, which is especially useful in competitive suburbs.
Ask questions along the way – A great broker will take the time to explain anything that’s unclear, so don’t be afraid to speak up.
Ready to Connect with a Brisbane Mortgage Broker?
Whether you’re buying your first home, refinancing your mortgage, or expanding your investment portfolio, a mortgage broker can make the process faster, easier, and stress free. With property prices on the rise and competition heating up across Brisbane, getting expert guidance early can give you a real edge.
Ready to get started? Send one quick enquiry and we’ll connect you with Brisbane’s top mortgage brokers. You’ll get tailored advice, competitive rates, and support every step of the way – from your first question to settlement day.
Brisbane Mortgage Broker FAQs
1. How much does a mortgage broker in Brisbane cost?
In most cases, working with a mortgage broker won’t cost you anything out of pocket. They’re paid by the lender via commission – usually an upfront payment when your loan settles, and a smaller ongoing “trail” commission. Brokers are required to disclose how they’re paid, so you’ll know upfront if any fees apply (which is rare for standard home loans).
2. How is a mortgage broker different from a bank?
A broker compares loan options from a panel of lenders – including banks, credit unions, and specialist lenders – to find a loan that suits you. A bank can only offer its own products. Brokers act in your best interest and handle the paperwork, while bank lending staff represent the bank.
3. How long does it take to get a home loan through a broker?
Timeframes vary depending on the lender and how quickly you provide your documents. On average:
Pre-approval takes 1–5 business days
Formal approval takes 5–10 business days once you’ve signed a contract and valuation is complete
Settlement usually happens 30–60 days after you sign a contract, depending on your agreement with the seller.
4. Can mortgage brokers help with bad credit?
Yes. Some brokers work with lenders who offer more flexible approval criteria. If you’ve had defaults, missed payments, or other issues in the past, a broker can help you present your application in the best light – and connect you with lenders who specialise in these situations.
5. What documents will I need to provide?
The paperwork depends on your situation, but generally includes:
Photo ID
Payslips or tax returns
Recent bank statements
Details of assets, debts, and expenses
A copy of your purchase contract (if applicable).
Your broker will let you know exactly what’s needed to keep things moving.
6. Are mortgage brokers regulated in Brisbane?
Yes. Mortgage brokers in Brisbane, as in the rest of Australia, must hold an Australian Credit Licence (ACL) or be an authorised representative of a licence holder. They are regulated by ASIC and are legally required to act in your best interest when providing credit assistance.
7. Can a mortgage broker help me access first home buyer grants in Queensland?
Absolutely. A good broker will explain which government schemes you may be eligible for – like the First Home Owner Grant (currently $30,000 for new builds in QLD, although it will revert back to $15,000 at the end of June 2025) – and help you apply as part of your loan process.
8. Can I use a broker to refinance?
Yes. If you already have a home loan, a broker can compare what you’re paying now with other offers in the market. They’ll help you switch to a better rate or structure, potentially saving you thousands or helping you access equity.
Submit one inquiry to all of OurTop10 brokers
Don’t waste time filling out the same details on multiple sites. With just one enquiry, we’ll connect you with some of the best mortgage brokers in Brisbane.
